Orbograph IQUA and Image Integrity

Image Quality/Image Usability

Orbograph’s IQUA module provides image quality assurance and image usability testing, insuring that check images meet the quality and warranty requirements for image exchange and Check 21. As an aggressively priced module, IQUA can now be purchased as a software license or used on a usage basis with Automation Services and Automation Services LE.

Image Integrity

The Gramm-Leach-Bliley (GLB) Act Sect. 6801 requires financial institutions to implement safeguards to ensure security and confidentiality of customer records so customer data is protected. Image Integrity Services reads the MICR line on the check image via Orbograph OCR recognition software and compares it to the image index within X9.37, X9.100.187, or image capture platform files. Using proprietary matching and voting algorithms, Image Integrity Services identifies specific images which mismatch the index. These images are then displayed to adjustments and return item processing.

Orbograph’s Check Image Integrity and IQUA solutions are in place today in many of the top 25 U.S. financial institutions as well as in a wide range of community banks. These organizations chose Orbograph IQUA and image integrity to address the image standards implemented by the Federal Reserve as well as those defined by FSTC. These systems are detecting non-compliant images (NCI) in POD, inclearing, remote deposit capture, ATM, and remittance workflows. The Image Integrity module can now be utilized as a stand-alone service or in conjunction with IQUA as a low cost validation option either on-site or hosted remotely.

Poor quality images can increase risk of exposure and become an expensive adjustment process if not identified upstream in the check processing workflow. See the Global Concepts Check Study 2007* costs below:

Cost of a poor quality image to collecting bank*:

• $0.10 - $0.15 if identified before image transmission
• $0.50 - $1.00 if returned by paying bank while check is still in transit bulk file
• $20 - $40 if handled as an adjustment and retrieved from off-site storage
• Average over $1,000 loss if no usable image can be found

Cost of poor quality image to the paying bank*:

• $0.35 - $0.45 if identified within 24 hours and returned as an exception
• $10 - $20 if identified before customer notices and claimed as an adjustment
• $20 - $40 if found by customer, re-credited and claimed as an adjustment from collecting bank

For additional information on image formats, see the American National Standard for Financial Services X9.100-187–2008, Specifications for Electronic Exchange of Check and Image Data- Domestic.

- Andy Leonhardt
Orbograph Vice President – Sales